If you live in Illinois or Wisconsin, Chris has put together a comprehensive insurance program that protects Concealed Carry Licensees against Criminal Defense Legal Fees and Civil Suits for a Self-Defense Shooting. And for gun owners in these states who do not carry concealed, you can get protection against Civil Suits for a Self-Defense shooting...
Concealed Carry License Holder or not...if you own a gun you need to have the proper insurance coverage in place if you ever have to use your weapon in Self-Defense. Home and Umbrella policies will provide coverage to you for negligent acts (accidental shootings) but most will NOT cover you if you have to use your gun for Self-Defense!